Stated Income Commercial Real Estate

Could You Use Stated Income Commercial Real Estate Loans?

When it comes to financing real estate, one of the most important factors to consider is the loan structure itself. There are a number of ways to finance a building purchase or to refinance it as an investment, and they each serve a different purpose. When it comes to supporting the growth of your whole real estate portfolio, nothing works quite like a stated income commercial real estate loan.

When to Use Stated Income Loans

Stated income loans can be used for any purpose, from refinancing to purchasing to getting cash out for other investments. They are especially effective when you want to move equity around your portfolio, though. You can easily refinance a building that is earning a strong income and then use the funds to renovate properties that you want to get more out of. You can use that same strategy to hedge the risks of buying new properties by making sure the debt is attached to a stabilized investment.

Program Parameters

  • Credit score of 600 or higher
  • W-2 or self-employment verification
  • Properties up to $5 million
  • Up to 75% LTV for 5+ unit residential properties
  • Up to 70% LTV for 1-4 unit residential properties
  • Up to 65% LTV for commercial properties
  • Properties cannot be owner-occupied

Get the Most Out of Your Real Estate Investments

Stated income commercial real estate loans are a vital tool you can use alongside more conventional real estate financing to get more reach when you are purchasing properties, too. Use a cash out refinance to get the funds you need to make a down payment that will fund the financing on a large property, and expand the scope of your real estate investments.

For more information about stated income commercial real estate loans or to start an application, contact us today. A-Key Funding Solutions has associates ready and waiting to answer your questions.